Afterpay
What does this mean?
Grade A (high: almost everything comes from official pages read directly). 100% of 15 sources are the organization's own pages or government sites.
Get help with (6)
- Dispute with a merchant through the bankContact the retailer and wait up to 7 calendar days, then raise one dispute per order in the app within 120 days of purchase; keep paying while it is reviewed.
- Billing errorContact the merchant first, then raise a dispute in the app within 120 days; Afterpay cannot collect the disputed amount or report it delinquent while it investigates.
- Refund requestThe retailer decides returns; refunds reduce your balance (partial refunds come off the last payment first), and you must keep paying what is still due.
- Unauthorized chargeChange your password at once (it signs out all devices), then contact Afterpay straight away about orders you do not recognize.
- Fraud or scamReport phishing emails to reportphishing@afterpay.com and contact Afterpay if you entered your details on a fake site.
- Payment plan or bill assistanceA missed payment pauses the account and can bring a late fee of up to $8 after 10 days; reschedule the second or third payment in the app, or call about the first or last.
Contacts (6)
Phone
- Afterpay Customer Service Account holder only
Hours: Daily 8 AM-9:30 PM ET
Use for: Dispute with a merchant through the bank, Refund request, Unauthorized charge, Fraud or scam, Billing error, Payment plan or bill assistance, Account access, Poor service or broken promise
Source: afterpay.com, verified 2026-10-13
Online forms
- Afterpay contact form (Get in Touch)
Use for: Unauthorized charge, Fraud or scam, Poor service or broken promise
Source: afterpay.com, verified 2026-10-13
- Report a suspected phishing email (attach it as an .eml file)
Use for: Fraud or scam
Source: afterpay.com, verified 2026-10-13
Apps
- Chat with Afterpay in the mobile app (24/7) Sign-in requiredAfterpay mobile app > Start a chat
Hours: 24/7
Use for: Dispute with a merchant through the bank, Refund request, Unauthorized charge, Fraud or scam, Billing error, Payment plan or bill assistance
Source: afterpay.com, verified 2026-10-13
- Raise a dispute on an order (for example Goods not received) Sign-in requiredAfterpay app or website > select the order > raise a dispute
One dispute per order, within 120 days of the purchase date. Contact the retailer first.
Use for: Dispute with a merchant through the bank, Refund request, Billing error
Source: afterpay.com, verified 2026-10-13
- Written notices and disputes (installment agreement notice address)Afterpay US Services, LLC, 1955 Broadway, Suite 204, Oakland, CA 94612, Attention: Legal
Use for: Billing error, Dispute with a merchant through the bank, Poor service or broken promise
Source: afterpay.com, verified 2026-10-13
Escalation path
Go up one step at a time. Keep the reference numbers and dates from each contact.
Customer service
AppChat with Afterpay in the mobile app (24/7) Afterpay mobile app > Start a chat Sign-in requiredCustomer service
Written complaint
MailWritten notices and disputes (installment agreement notice address) Afterpay US Services, LLC, 1955 Broadway, Suite 204, Oakland, CA 94612, Attention: LegalFederal regulator
State agency
Your state’s financial regulator. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).Arbitration
The installment agreement requires individual arbitration (AAA, San Francisco County) after 30 days of informal negotiation; small claims court is allowed. Opt out by written notice within 30 days of signing the agreement.
Known blockers
- Disputes and chat need the account holder's Afterpay sign-in.
- Afterpay's U.S. help center at help.afterpay.com blocks automated access; the same articles load under afterpay.com/en-US/help.
Scam warnings
Official domains
afterpay.com
Real links and emails from Afterpay end in one of these.
Report phishing
- Report a suspected phishing email to the Afterpay security team (attach the email as an .eml file)
The address is shown in protected form on the page and was decoded from it.
Use for: Fraud or scam
Source: afterpay.com, verified 2026-10-13
For the whole industry, read Payment apps and money transfer services — how complaints work.
Verification notes
Afterpay is owned by Block, Inc. (which also runs Cash App). Pay in 4 loans are made by Afterpay US Services, LLC (NMLS ID 1870854; California Finance Lenders Law license 60DBO-99995). Loans with a finance fee are underwritten and issued by First Electronic Bank, a Utah state-chartered bank (FDIC BankFind cert 35533). The installment agreement checked was last updated September 2026; the Terms of Service, February 2026. Afterpay's U.S. security page lists no scam warnings or never-ask statement.
Let your AI agent handle this
Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.
1. Set it up (needs uv):
uvx escalate-anything setup2. Ask your agent:
My problem with Afterpay: [what happened, with dates and amounts]. Use Escalate Anything to get it resolved.Source code, other install options and the Claude Code plugin